Progressive Insurance Review: Average Rates, But Many Discounts
$2,032
$2,648
- Many discounts for auto, home and renters
- Great bundling discount
- Cheap rates for drivers with a DUI
- Good online experience
- Available in all 50 states
- Auto, home and renters rates are just average
- Few add-on coverages for home
- Poor customer service
Is Progressive a good company?
Although Progressive’s auto, home and renters insurance rates are higher than most other companies, it has a lot of discounts that can help bring the cost down. Progressive also offers many optional car insurance coverages that make it more appealing.
Progressive’s app and website are easy to use and helpful, but its customer service and complaint ratings could be better.
Progressive car insurance cost
Progressive car insurance policies cost, on average, $2,032 per year for full coverage. That puts Progressive rates close to the nationwide average rate of $1,976.
| Company | Full coverage |
|---|---|
| Progressive | $2,032 |
 USAA | $1,203 |
 Erie | $1,270 |
 State Farm | $1,487 |
 Country Financial | $1,600 |
 Travelers | $1,919 |
 American Family | $1,920 |
 Farm Bureau | $1,931 |
 Geico | $1,937 |
 Nationwide | $2,226 |
 Amica | $2,548 |
 Allstate | $2,609 |
 Farmers | $3,091 |
 AAA | $3,835 |
Progressive car insurance rates for a bad driving record
If you’ve been at fault in an accident, or you have a traffic ticket on your record, Progressive’s rates are often higher than most companies.
However, if you have a driving under the influence (DUI) conviction, Progressive actually offers cheaper rates than average, at $2,547 per year.
| Clean record | Ticket | Accident | DUI | |
|---|---|---|---|---|
| Progressive | $2,032 | $2,606 | $3,026 | $2,547 |
| USAA | $1,203 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
Progressive car insurance rates for teens
If you’re a teen driver, Progressive is one of the more expensive car insurance companies. Progressive’s average rate for teens is $8,495 a year, far above the $5,300 industry average for insuring an 18-year-old driver.
| Company | Full coverage for a 30-year-old | Full coverage for an 18-year-old |
|---|---|---|
| Progressive | $2,032 | $8,495 |
| USAA | $1,203 | $2,847 |
| Erie | $1,270 | $3,086 |
| State Farm | $1,487 | $4,128 |
| Country Financial | $1,600 | $2,226 |
| Travelers | $1,919 | $5,758 |
| American Family | $1,920 | $5,413 |
| Farm Bureau | $1,931 | $4,451 |
| Geico | $1,937 | $5,048 |
| Nationwide | $2,226 | $7,743 |
| Amica | $2,548 | $9,052 |
| Allstate | $2,609 | $7,668 |
| Farmers | $3,091 | $9,354 |
| AAA | $3,835 | $9,111 |
Progressive car insurance quotes by state
Progressive has the cheapest full coverage rates in New York and North Carolina among the largest car insurance companies. Progressive also has the cheapest minimum-coverage quotes in New York.
| State | Full coverage | Liability only |
|---|---|---|
| Alabama | $1,829 | $517 |
| Alaska | $1,975 | $1,041 |
| Arizona | $2,110 | $998 |
| Arkansas | $2,412 | $606 |
| California | $1,609 | $463 |
| Colorado | $2,020 | $776 |
| Connecticut | $3,756 | $1,360 |
| Delaware | $2,543 | $1,473 |
| Florida | $3,560 | $1,540 |
| Georgia | $2,383 | $838 |
| Hawaii | $2,004 | $905 |
| Idaho | NA | NA |
| Illinois | $2,246 | $765 |
| Indiana | $1,898 | $516 |
| Iowa | $1,955 | $405 |
| Kansas | $2,157 | $543 |
| Kentucky | $2,603 | $1,153 |
| Louisiana | $2,711 | $828 |
| Maine | $1,296 | $771 |
| Maryland | $2,312 | $1,235 |
| Massachusetts | $1,756 | $927 |
| Michigan | $3,040 | $1,206 |
| Minnesota | NA | NA |
| Mississippi | $1,675 | $460 |
| Missouri | $2,005 | $474 |
| Montana | $2,402 | $637 |
| Nebraska | $1,501 | $347 |
| Nevada | $2,259 | $978 |
| New Hampshire | $1,162 | $675 |
| New Jersey | $1,881 | $1,349 |
| New Mexico | $1,558 | $566 |
| New York | $1,124 | $627 |
| North Carolina | $727 | $377 |
| North Dakota | $1,701 | $400 |
| Ohio | $1,483 | $685 |
| Oklahoma | $1,774 | $343 |
| Oregon | $1,802 | $813 |
| Pennsylvania | $2,571 | $773 |
| Rhode Island | $2,658 | $1,186 |
| South Carolina | $2,205 | $750 |
| South Dakota | $2,351 | $371 |
| Tennessee | $1,554 | $418 |
| Texas | $2,674 | $1,010 |
| Utah | $1,553 | $816 |
| Vermont | $1,188 | $417 |
| Virginia | $1,790 | $1,031 |
| Washington | $1,869 | $849 |
| Washington, D.C. | $2,192 | $1,238 |
| West Virginia | $1,899 | $1,096 |
| Wisconsin | $1,796 | $428 |
| Wyoming | NA | NA |
No data available for Progressive in a few states
Minimum-coverage, also known as liability coverage, covers injuries for other drivers and their passengers if you caused an accident.
Full coverage policies cover liability coverage, as well as protection for your car if it’s damaged.
Progressive car insurance discounts
Progressive offers great insurance discounts if you bundle your home and car policies, with savings up to $793.
If you’re also a good driver, you can take advantage of the Progressive Snapshot program. If you’re enrolled in the Snapshot program, your car insurance rate can go up or down based on your driving habits. Driving less and not using your phone while driving can lower your car insurance rate. The average savings for drivers enrolled in this program is $231.
Progressive also offers several other car insurance discounts:
- Multi-policy
- Continuous insurance
- Teen driver
- Good student (average savings of 10%)
- Distant student
- Homeowner
- Multi-car (average savings of 12%)
- Online quote (average savings of 7%)
- Sign online (average savings of 9%)
- Paperless
- Pay in full
- Automatic payment
Progressive car insurance coverage
Along with standard coverage, like liability and collision, Progressive offers some great optional coverage.
- Loan/lease payoff: If your leased or loaned car is totaled or stolen, Progressive may cover the cost difference between the amount you owe and the worth of the car, up to 25% of the value of the car before it was stolen or totaled.
- Rental car reimbursement: If you’re in an accident, Progressive may pay for your rental car, up to your limits.
- Roadside assistance: With this coverage, Progressive can help you get back on the road or have your car towed if your car stops running.
- Custom parts and equipment value (CPE) coverage: This coverage will cover custom parts and equipment that you added to the car, up to a limit. This includes stereos and custom wheels.
- Rideshare coverage: If you drive your car for a ridesharing company such as Uber or Lyft, Progressive can protect you while you’re on the app and waiting for a rider or delivery request.
How much does Progressive homeowners insurance cost?
Home insurance from Progressive costs $2,648 a year, on average. This is 5% cheaper than the national average rate of $2,801 a year.
Home insurance rates by company
| Company | Annual rate |
|---|---|
| Erie | $2,055 |
| State Farm | $2,427 |
| USAA | $2,507 |
| Allstate | $2,560 |
| Chubb | $2,606 |
| Progressive | $2,648 |
| Country Mutual | $2,827 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farm Bureau | $3,639 |
| Farmers | $3,801 |
What you actually pay for home insurance depends on several factors, such as where you live, the age of your home and your insurance claims history. Each company treats these factors differently, which is why quotes can vary so much from company to company.
To get your best rate, compare home insurance quotes from a number of companies when you shop around or your policy is up for renewal.
Progressive home insurance rates by state
Progressive’s home insurance rates can vary widely depending on where you live.
In Louisiana, Progressive’s average rate is $1,865 a year. Compare that to Florida, where the company’s average rate is $3,786 a year.
Progressive rates by state
| State | Average annual rate |
|---|---|
| Louisiana | $1,865 |
| Georgia | $2,061 |
| Indiana | $2,880 |
| Florida | $3,786 |
Home insurance discounts from Progressive
Progressive has many discounts that can help you save money on your home insurance coverage. These include discounts for:
- Bundling home and auto policies
- Installing security systems
- Getting an advance quote
- Buying a newly constructed home
- Signing up for e-billing
- Paying in full
Progressive home insurance coverages
Progressive offers the usual standard home insurance coverages, including:
- Dwelling coverage: Protects the structure of your home, as well as attached structures.
- Other structures: Covers detached garages, patios, fences and driveways against covered risks and events.
- Personal property: Your clothes, furniture, electronics and other belongings are covered. Expensive items like jewelry and art may also be covered, though often at a lower limit.
- Liability: This helps protect you if you cause injuries or property damage to others.
- Medical payments: Covers the medical-related expenses of people injured in your home, no matter who is at fault.
- Loss of use: Pays for some extra expenses if you need to relocate while your home is being repaired. This includes meals, rent and commute cost increases.
Progressive also offers these optional coverages:
- Water back-up and sump discharge or overflow: If your sump backs up and damages your belongings, this add-on coverage pays to replace them. It also covers water removal.
- Personal injury: This coverage handles legal expenses tied to things like libel or slander, malicious prosecution and wrongful eviction.
How much does Progressive renters insurance cost?
Progressive renters insurance costs $234 a year, or $19 a month, on average. This is 6% higher than the national average of $18 a month.
Renters insurance rates by company
| Company | Monthly rate |
|---|---|
| State Farm | $11 |
| Lemonade | $12 |
| Allstate | $17 |
| Amica | $17 |
| Progressive | $19 |
| Assurant | $22 |
| Farmers | $23 |
| American Family | $27 |
What renters insurance discounts does Progressive offer?
Progressive offers a wide range of renters insurance discounts, giving you the opportunity to save money by:
- Bundling your auto and renters insurance
- Getting a renters insurance policy three days before the start date
- Signing up for email documentation
- Paying your annual premium in full
- Living in a gated community
What does Progressive renters insurance cover?
Progressive renters insurance covers personal property, loss of use, personal liability and medical payments if someone is injured on your property.
Progressive also offers add-on coverage for water backup damage and personal injury.